RockPointBank, National Association: how it compares with its peers
Against 47 TN banks with half to twice its assets, RockPointBank, National Association's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.33% vs. 1.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 1.08% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 4.00% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.81% | 67.05% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $6.0M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.14% | 82.22% | Context |
What it means for lending operations
Its efficiency ratio of 76.81% is above the 67.05% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
- Tower Community Bank Jasper, TN · $375M
- Volunteer Federal Savings Bank Madisonville, TN · $397M
- The First National Bank of Oneida Oneida, TN · $368M
- Community Bank Lexington, TN · $358M
- Bank of Frankewing Frankewing, TN · $413M
Questions about RockPointBank, National Association
How big is RockPointBank, National Association?
RockPointBank, National Association, established in 2021, is headquartered in Chattanooga, TN. It reported $384M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is RockPointBank, National Association's return on assets?
0.33% annualized in Q2 2026, against a 1.08% median for 47 TN banks with half to twice its assets, ahead of 6% of them.
What is RockPointBank, National Association's efficiency ratio?
76.81% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 67.05%, and lower is better.
Is RockPointBank, National Association growing its loans?
Net loans grew 18.8% over the year to Q2 2026, while deposits grew 24.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.